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Liv review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Liv pairs a fee-free debit card with an on-demand savings account that pays 4% at a variable rate, run by Emirates NBD Bank PJSC under the Central Bank of the UAE. It suits UAE families banking for kids who want a single app for everyday money and crypto.

Key facts

Best for
A free multi-currency account for a UAE family, with savings that pays interest on the daily balance.
Monthly fee
AED 0↗
Currency conversion fee
1.99%↗
Free ATM withdrawals
AED 0↗
Card type
Debit↗
Legal entity
Emirates NBD Bank PJSC↗
Headquarters
United Arab Emirates↗
Founded
2015↗
Support channels
Phone, Email, Help-centre↗
Features
Multi-currency, Crypto
Audience
Kids
Official website
liv.me

Credit cards

Annual fee
AED 0↗
APR
41.88%↗
Rewards type
Cashback↗
Rewards rate
Up to 2% cashback (tiered: 2% for AED 10,000+, 1.5% for AED 5,000-10,000, 0.75% below AED 5,000)↗
Perks
Airport lounge access, Cinema tickets, Instalment payment plans, Loan on card, Balance conversion, Instant digital issuance↗
Cashback rate
2%↗
Card kind
Credit↗
Pricing model
No annual fee

Savings

Headline rate
4%↗
Rate type
Variable↗
Access terms
On-demand savings with no fixed term; interest credited monthly on the daily available balance↗
Account kind
Easy access↗

Facts checked September 26, 2026, 11 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • The monthly fee is AED 0 and the annual fee on the card is AED 0, so everyday banking costs nothing to hold
  • Savings pay 4% at a variable rate, with interest credited monthly on the daily available balance and no fixed term
  • Multi-currency and crypto sit in the same app, alongside a debit card issued digitally and usable straight away
  • The cashback card pays 2% and adds lounge access, cinema tickets, instalment plans and balance conversion

Cons

  • Currency conversion costs 1.99%, well above the 1% seen across the accounts compared here
  • Borrowing on the credit card runs at an APR of 41.88%, far above the 15.5% in this set
  • Branches are not among its support channels (phone, email and help centre), which run on phone, email and a help centre
Liv

Ready to try Liv?

Scored 8.8 / 10 by SumCue.

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Who it suits

  • UAE households banking for kids, the audience Liv is built around, wanting spending and saving in a single app
  • Multi-currency savers who want a cash account and crypto holdings in the same place
  • Card shoppers who prefer tiered cashback to points or miles, plus lounge access and instalment plans

Who should look elsewhere

  • Frequent travellers who convert currency often, because a conversion fee of 1.99% applies each time
  • Anyone carrying a card balance month to month, since the credit card APR of 41.88% is steep
  • Readers who want to walk into a branch, since branches are not among the support channels on offer (phone, email and help centre)

How Liv compares

Where Liv is available

Available
United Arab Emirates
Licence in United Arab Emirates
Central Bank of the UAE, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to hold a Liv account?+

Nothing to hold. The monthly fee is AED 0 and the annual fee on the card is AED 0. Costs appear when you spend, and the main cost to watch is the currency conversion fee of 1.99%.

Is the money in a Liv account protected?+

Liv is operated by Emirates NBD Bank PJSC and licensed by the Central Bank of the UAE, so the money sits with a licensed UAE bank. The account is easy access, with no fixed term and interest credited monthly.

How does the savings part work?+

It is on-demand savings that pays 4% at a variable rate. Interest is credited monthly and calculated on the daily available balance, so there is no lock-in period to qualify for and you can still reach the money.

Can I use the card straight away?+

Yes, the card is a debit card and the app supports instant digital issuance, so spending can start without waiting for plastic in the post. Perks on the card also cover loan on card and balance conversion.

What does the cashback card pay?+

Rewards are cashback at up to 2%, tiered by monthly spend, with the top tier needing a higher spending level. Perks also include airport lounge access, cinema tickets, instalment plans and balance conversion.

Who is Liv built for?+

The stated audience is kids, so parents banking for children in the UAE come first. Multi-currency and crypto features cover families who hold money in several currencies, and the account sits in a single app.

What happens if I carry a balance on the credit card?+

The credit card charges an APR of 41.88%, high next to the 15.5% median across the cards compared here. With a loan on card and instalment plans also offered, clearing the balance each month matters more than it looks.

Where can I get help?+

Support runs through phone, email and help centre, covering phone, email and a help centre. Branches are not among those channels, so most questions get answered remotely by phone or in writing rather than in person.

Are any ATM withdrawals free?+

The free ATM withdrawal allowance is AED 0, so budget for charges whenever you take out cash rather than expecting free withdrawals. Spending abroad also carries a currency conversion fee of 1.99%.

Can I hold crypto as well as cash?+

Yes, crypto is listed among the features alongside multi-currency. That makes Liv a combined cash and digital asset account rather than a plain current account, with the cash side earning 4% on the daily balance.

Sources

Compiled from 12 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Liv

Liv

A free multi-currency account for a UAE family, with savings that pays interest on the daily balance.

8.8/10See alternatives